2015 Summary of Benefits

Transcription

1 2015 Summary of Benefits Health Net Seniority Plus Amber II (HMO SNP) Fresno, Kern, Los Angeles, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, Stanislaus and Tulare counties, CA Benefits effective January 1, 2015 H0562 Health Net of California, Inc. Material ID # H0562_2015_0271 CMS Accepted

2 SECTION I INTRODUCTION TO SUMMARYOF BENEFITS You have choices about how to get your Medicare benefits One choice is to get your Medicare benefits through Original Medicare (fee-for-service Medicare). Original Medicare is run directly by the Federal government. Another choice is to get your Medicare benefits by joining a Medicare health plan (such as Health Net Seniority Plus Amber II (HMO SNP)). Tips for comparing your Medicare choices This Summary of Benefits booklet gives you a summary of what Health Net Seniority Plus Amber II (HMO SNP) covers and what you pay. If you want to compare our plan with other Medicare health plans, ask the other plans for their Summary of Benefits booklets. Or, use the Medicare Plan Finder on If you want to know more about the coverage and costs of Original Medicare, look in your current Medicare & You handbook. View it online at or get a copy by calling MEDICARE ( ), 24 hours a day, 7 days a week. TTY users should call Sections in this booklet Things to Know About Health Net Seniority Plus Amber II (HMO SNP) Monthly Premium, Deductible, and Limits on How Much You Pay for Covered Services Covered Medical and Hospital Benefits Prescription Drug Benefits 2

3 This document is available in other formats such as Braille and large print. This document may be available in a non-english language. For additional information, call us at (TTY users should call 711). Este documento puede estar disponible en un idioma distinto al inglés. Para obtener información adicional, llamenos al (Los usuarios de TTY deben llamar al 711). Things to Know About Health Net Seniority Plus Amber II (HMO SNP) Hours of Operation You can call us 7 days a week from 8:00 a.m. to 8:00 p.m. Pacific time. Health Net Seniority Plus Amber II (HMO SNP) Phone Numbers and Website If you are a member of this plan, call toll-free (TTY users should call 711). If you are not a member of this plan, call toll-free (TTY users should call 711). Our website: Who can join? To join Health Net Seniority Plus Amber II (HMO SNP), you must be entitled to Medicare Part A, be enrolled in Medicare Part B and Medi-Cal and live in our service area. Our service area includes the following counties in California: Fresno, Kern, Los Angeles, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, Stanislaus, and Tulare. Which doctors, hospitals, and pharmacies can I use? Health Net Seniority Plus Amber II (HMO SNP) has a network of doctors, hospitals, pharmacies, and other providers. If you use the providers that are not in our network, the plan may not pay for these. You must generally use network pharmacies to fill your prescriptions for covered Part D drugs. Some of our network pharmacies have preferred cost-sharing. You may pay less if you use these pharmacies. You can see our plan s provider directory at our website ( You can see our plan s pharmacy directory at our website ( pharmacy). Or, call us and we will send you a copy of the provider and pharmacy directories. 3

4 What do we cover? Like all Medicare health plans, we cover everything that Original Medicare covers - and more. Our plan members get all of the benefits covered by Original Medicare. For some of these benefits, you may pay more in our plan than you would in Original Medicare. For others, you may pay less. Our plan members also get more than what is covered by Original Medicare. Some of the extra benefits are outlined in this booklet. We cover Part D drugs. In addition, we cover Part B drugs such as chemotherapy and some drugs administered by your provider. You can see the complete plan formulary (list of Part D prescription drugs) and any restrictions on our website, Or, call us and we will send you a copy of the formulary. How will I determine my drug costs? Our plan groups each medication into one of six tiers. You will need to use your formulary to locate what tier your drug is on to determine how much it will cost you. The amount you pay depends on the drug s tier and what stage of the benefit you have reached. Later in this document we discuss the benefit stages that occur after you meet your deductible: Initial Coverage, Coverage Gap, and Catastrophic Coverage. 4

5 If you have any questions about this plan s benefits or costs, please contact Health Net of California for details. SECTION II SUMMARY OF BENEFITS Health Net Seniority Plus Amber II (HMO SNP) MONTHLY PREMIUM, DEDUCTIBLE, AND LIMITS ON HOW MUCH YOU PAY FOR COVERED SERVICES How much is the monthly premium? How much is the deductible? Is there any limit on how much I will pay for my covered? Is there a limit on how much the plan will pay? $28.80 per month. In addition, you must keep paying your Medicare Part B premium. This plan does not have a deductible. Yes. Like all Medicare health plans, our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care. In this plan, you may pay nothing for some, depending on your level of Medi-Cal eligibility. Your yearly limit(s) in this plan: $825 for you receive from in-network providers. If you reach the limit on out-of-pocket costs, you keep getting covered hospital and medical and we will pay the full cost for the rest of the year. Please note that you will still need to pay your monthly premiums and cost-sharing for your Part D prescription drugs. Our plan has a coverage limit every year for certain in-network benefits. Contact us for the that apply. 5

6 COVERED MEDICAL AND HOSPITAL BENEFITS NOTE: SERVICES WITH A 1 MAY REQUIRE PRIOR AUTHORIZATION. SERVICES WITH A 2 MAY REQUIRE A REFERRAL FROM YOUR DOCTOR. Outpatient Care and Services Acupuncture and Other Alternative Therapies Ambulance 1 Chiropractic Care 1,2 Dental Services 1,2 Diabetes Supplies and Services 1,2 Diagnostic Tests, Lab and Radiology Services, and X-Rays 1,2 Doctor s Office Visits 1,2 Durable Medical Equipment (wheelchairs, oxygen, etc.) 1 Emergency Care Foot Care (podiatry ) 2 0% or 20% of the cost Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position): 0% or 20% of the cost Limited dental (this does not include in connection with care, treatment, filling, removal, or replacement of teeth): 0% or 20% of the cost Preventive dental : Cleaning (for up to 2 every year): You pay nothing Dental x-ray(s) (for up to 1 every year): You pay nothing Fluoride treatment (for up to 1 every year): You pay nothing Oral exam: You pay nothing Diabetes monitoring supplies: 0% or 20% of the cost Diabetes self-management training: You pay nothing Therapeutic shoes or inserts: 0% or 20% of the cost Diagnostic radiology (such as MRIs, CT scans): 0% or 20% of the cost Diagnostic tests and procedures: 0% or 20% of the cost Lab : You pay nothing Outpatient x-rays: 0% or 20% of the cost Therapeutic radiology (such as radiation treatment for cancer): 0% or 20% of the cost Primary care physician visit: 0% or 20% of the cost Specialist visit: 0% or 20% of the cost 0% or 20% of the cost 0% or 20% of the cost If you are immediately admitted to the hospital, you do not have to pay your share of the cost for emergency care. See the Inpatient Hospital Care section of this booklet for other costs. $50,000 plan coverage limit for supplemental emergency outside the U.S. and its territories every year. Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions: 0% or 20% of the cost Routine foot care (for up to 12 visit(s) every year): You pay nothing 6

7 Hearing Services 1,2 Home Health Care 1,2 Mental Health Care 1 Outpatient Rehabilitation 1,2 Outpatient Substance Abuse 1 Outpatient Surgery 1,2 Over-the-Counter Items Exam to diagnose and treat hearing and balance issues: 0% or 20% of the cost Routine hearing exam (for up to 1 every year): You pay nothing Hearing aid fitting/evaluation (for up to 1 every three years): You pay nothing Hearing aid: You pay nothing Our plan pays up to $2,000 every three years for hearing aids. Up to 2 supplemental hearing aids every three years You pay nothing Inpatient visit: Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental provided in a general hospital. The copays for hospital and skilled nursing facility (SNF) benefits are based on benefit periods. A benefit period begins the day you're admitted as an inpatient and ends when you haven't received any inpatient care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after one benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 lifetime reserve days. These are extra days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. In 2014 the amounts for each benefit period were $0 or: $1,216 deductible for days 1 through 60 $304 copay per day for days 61 through 90 $608 copay per day for 60 lifetime reserve days These amounts may change for Outpatient group therapy visit: 0% or 20% of the cost Outpatient individual therapy visit: 0% or 20% of the cost Cardiac (heart) rehab (for a maximum of 2 one-hour sessions per day for up to 36 sessions up to 36 weeks): 0% or 20% of the cost Occupational therapy visit: 0% or 20% of the cost Physical therapy and speech and language therapy visit: 0% or 20% of the cost Group therapy visit: 0% or 20% of the cost Individual therapy visit: 0% or 20% of the cost Ambulatory surgical center: 0% or 20% of the cost Outpatient hospital: 0% or 20% of the cost Not Covered 7

8 Prosthetic Devices (braces, artificial limbs, etc.) 1 Renal Dialysis 1,2 Transportation 1 Urgent Care Vision Services 1,2 Preventive Care 1,2 Prosthetic devices: 0% or 20% of the cost Related medical supplies: 0% or 20% of the cost 0% or 20% of the cost You pay nothing Up to 48 one-way trips to plan approved location every year 0% or 20% of the cost If you are immediately admitted to the hospital, you do not have to pay your share of the cost for urgent care. See the Inpatient Hospital Care section of this booklet for other costs. Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening): 0% or 0-20% of the cost, depending on the service Routine eye exam (for up to 1 every year): You pay nothing Contact lenses (for up to 2 every two years): You pay nothing Eyeglasses (frames and lenses) (for up to 2 every two years): You pay nothing Eyeglasses frames (for up to 2 every two years): You pay nothing Eyeglasses lenses (for up to 2 every two years): You pay nothing Eyeglasses or contact lenses after cataract surgery: You pay nothing Our plan pays up to $300 every two years for eyewear. You pay nothing Our plan covers many preventive, including: Abdominal aortic aneurysm screening Alcohol misuse counseling Bone mass measurement Breast cancer screening (mammogram) Cardiovascular disease (behavioral therapy) Cardiovascular screenings Cervical and vaginal cancer screening Colonoscopy Colorectal cancer screenings Depression screening Diabetes screenings Fecal occult blood test Flexible sigmoidoscopy HIV screening Medical nutrition therapy Obesity screening and counseling Prostate cancer screenings (PSA) Sexually transmitted infections screening and counseling Tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease) Vaccines, including Flu shots, Hepatitis B shots, Pneumococcal shots 8

9 Preventive Care 1,2 (continued) Welcome to Medicare preventive visit (one-time) Yearly Wellness visit Any additional preventive approved by Medicare during the contract year will be covered. Annual physical exam: You pay nothing Hospice Inpatient Care Inpatient Hospital Care 1,2 Inpatient Mental Health Care Skilled Nursing Facility (SNF) 1,2 You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care. The copays for hospital and skilled nursing facility (SNF) benefits are based on benefit periods. A benefit period begins the day you're admitted as an inpatient and ends when you haven't received any inpatient care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after one benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. In 2014 the amounts for each benefit period were $0 or: $1,216 deductible for days 1 through 60 $304 copay per day for days 61 through 90 $608 copay per day for 60 lifetime reserve days These amounts may change for For inpatient mental health care, see the Mental Health Care section of this booklet. Our plan covers up to 100 days in a SNF. In 2014 the amounts for each benefit period were $0 or: You pay nothing for days 1 through 20 $152 copay per day for days 21 through 100 These amounts may change for PRESCRIPTION DRUG BENEFITS How much do I pay? Initial Coverage For Part B drugs such as chemotherapy drugs 1 : 0% or 20% of the cost Other Part B drugs 1 : 0% or 20% of the cost Our plan does not have a deductible for Part D prescription drugs. You pay the following: You may get your drugs at network retail pharmacies and mail order pharmacies. 9

10 Standard Retail Cost-Sharing Tier Tier 1 (Preferred Generic) Tier 2 (Non-Preferred Generic) One-month Two-month $0 $0 $0 Three-month Tier 3 (Preferred Brand) Tier 4 (Non-Preferred Brand) Tier 5 (Specialty Tier) 10

11 Standard Retail Cost-Sharing (continued) Preferred Mail Order Cost-Sharing Tier Tier 6 (Select Care Drugs) Tier Tier 1 (Preferred Generic) Tier 2 (Non-Preferred Generic) One-month Two-month $0 $0 $0 One-month Two-month $0 $0 $0 Three-month Three-month Tier 3 (Preferred Brand) Tier 4 (Non-Preferred Brand) 11

12 Preferred Mail Order Cost-Sharing (continued) Tier Tier 5 (Specialty Tier) One-month Two-month Three-month Standard Mail Order Cost-Sharing Tier 6 (Select Care Drugs) Tier Tier 1 (Preferred Generic) Tier 2 (Non-Preferred Generic) $0 $0 $0 One-month Two-month $0 $0 $0 Three-month Tier 3 (Preferred Brand) 12

13 Standard Mail Order Cost-Sharing (continued) Tier Tier 4 (Non-Preferred Brand) One-month Two-month Three-month Tier 5 (Specialty Tier) Catastrophic Coverage Tier 6 (Select Care Drugs) $0 $0 $0 If you reside in a long-term care facility, you pay the same as at a retail pharmacy. You may get drugs from an out-of-network pharmacy at the same cost as an in-network pharmacy. After your yearly out-of-pocket drug costs (including drugs purchased through your retail pharmacy and through mail order) reach $4,700, you pay nothing for all drugs. 13

14 COMPREHENSIVE WRITTEN STATEMENT MEDI-CAL SECTION IV STATE OF CALIFORNIA MEDICAID (MEDI-CAL) PROGRAM COVERED BENEFITS FOR DUAL ELIGIBLE (MEDICARE AND MEDICAID) BENEFICIARIES Benefit Category Medicaid (Medi-Cal) Health Net Seniority Plus Amber II (HMO SNP) Inpatient hospital Plan covers 90 days for an inpatient hospital stay. Plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days, your inpatient hospital coverage will be limited to 90 days. Outpatient hospital Rural health clinic Federally qualified health center Laboratory X-rays Skilled nursing facility care for over 21 years of age Subacute care 14 In 2014 the amounts for each benefit period were $0 or: $1,216 deductible for days 1 through 60 $304 copay per day for days 61 through 90 $608 copay per day for 60 lifetime reserve days These amounts may change for Medicare-covered Medicare-covered Medicare-covered $0 copay for Medicare-covered Medicare-covered Plan covers up to 100 days each benefit period. No prior hospital stay is required. In 2014 the amounts for each benefit period were $0 or:

15 Pediatric nursing facility care for under 21 years of age Subacute (Early & periodic screening, diagnosis and treatment supplemental ) Family planning & supplies Physician Medical & surgical dental Ophthalmologist $0 copay per day for days 1 through 20 $152 copay per day for days 21 through 100 These amounts may change for Medicare-covered. (Reasonable and necessary associated with treatment for infertility are covered under Medicare.) Medicare-covered Medicare-covered 0% or 0%-20% of the cost for Medicare-covered exams to diagnose and treat diseases and conditions of the eye, depending on the service. Podiatry * $0 copay for up to 1 supplemental routine eye exam every year. Medicare-covered Optometry $0 copay for up to 12 supplemental routine podiatry visit(s) every year. 0% or 0%-20% of the cost for Medicare-covered exams to diagnose and treat diseases and conditions of the eye, depending on the service. Chiropractic * $0 copay for up to 1 supplemental routine eye exam every year. Medicare-covered 15

16 Psychology * Nurse anesthetist Optician and optical fabricating lab * Medicare-covered Medicare-covered $0 copay for Medicare-covered eyeglasses or contact lenses after cataract surgery. Medical supplies (does not include incontinence creams and washes) Incontinence creams and washes* Durable medical equipment Hearing aids Enteral formulae Acupuncture * Licensed midwife Home health through a home health agency (including home health nursing and aide, physical and occupational therapy, speech pathology and audiology, intermittent nursing, home health aid care, medical supplies, equipment and appliances) Physical therapy and related Medicaid (Medi-Cal) has a maximum limit of $1,510 per person for each year.* 16 $0 copay for eyeglasses (frames and lenses) or contact lenses up to 2 every two years. Plan pays up to $300 every two years for eyewear. Medicare-covered Medicare-covered $0 copay for up to 1 hearing aid fitting/evaluation every three years. $0 copay for up to 2 supplemental hearing aids (one pair) every three years. Plan pays up to $2,000 every three years for hearing aids. Medicare-covered Medicare-covered $0 copay for Medicare-covered Medicare-covered

17 Rehabilitation facilities Private duty nursing (Waiver only) Clinic (Organized outpatient clinic, Indian Health Services, alternative birthing centers, ambulatory surgical centers) Dental Medicare-covered Medicare-covered Medicare-covered dental benefits. $0 copay for preventive dental. Occupational therapy Speech pathology/speech therapy* Audiology * Plan offers additional comprehensive dental benefits. Refer to Chapter 4 of the Evidence of Coverage for more information. Medicare-covered Medicare-covered Medicare-covered diagnostic hearing exams. Pharmaceutical and prescribed drugs $0 copay for drugs excluded from Medicare Part D coverage $0 copay for up to 1 supplemental routine hearing exam every year. Drugs covered under Medicare Part B: chemotherapy drugs and other Part B drugs. 17 Drugs covered under Medicare Part D: If you are eligible for extra help, see Section II of this Summary of Benefits for information about Medicare Part D prescription drug cost sharing. If you are not eligible for extra help, refer to the Evidence of Coverage, Chapter 6, for costsharing information.

18 Dentures* Prosthetic appliances (Orthotic appliances) prosthetic eyes Eyeglasses, other eye appliances* You pay the applicable copays for denture. Limitations and exclusions apply. Refer to Chapter 4 of the Evidence of Coverage for more information. Medicare-covered $0 copay for Medicare-covered eyeglasses or contact lenses after cataract surgery. Comprehensive Perinatal Services Program (Preventive ) Community-Based Adult Services (CBAS) (waiver only)** Chronic dialysis Rehabilitation (chronic dialysis, outpatient heroin detoxification, rehabilitative mental health, drug Medi-Cal, independent rehabilitation centers) Institutes for Mental Diseases (for under 21 years of age and over 65 years of age, including psychiatric care) $0 copay for eyeglasses (frames and lenses) or contact lenses up to 2 every two years. Plan pays up to $300 every two years for eyewear. Medicare-covered Medicare-covered Plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental provided in a general hospital. Plan covers 90 days for an inpatient hospital stay. 18 Plan also covers 60 lifetime reserve days. These are extra days that we cover. If your hospital stay is longer than 90 days, you can use these extra days. But once you have used up these extra 60 days,

19 your inpatient hospital coverage will be limited to 90 days. In 2014 the amounts for each benefit period were $0 or: Intermediate Care Facility Nurse midwife Hospice TB-related Respiratory care for ventilator-dependent patients Family nurse practitioner Home and community care for functionally disabled elderly (Waiver only) Community-supported living arrangements (Waiver only) Personal care Rural primary care hospital Nonmedical health facilities Emergency hospital 19 $1,216 deductible for days 1 through 60 $304 copay per day for days 61 through 90 $608 copay per day for 60 lifetime reserve days These amounts may change for Medicare-covered $0 copay for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care. Medicare-covered Medicare-covered Medicare-covered Medicare-covered except for of a religious nonmedical health care institution covered by Medicare. Medicare-covered. $50,000 plan coverage limit for supplemental emergency outside the U.S. and its territories every year.

20 Transportation (State provides emergency and non-emergency medical transportation. Meets federal requirement for assurance of transportation to medically necessary ) Services for pregnant women that treat a condition that may impact the woman and/or the fetus (Not specifically stated as a benefit but is a mandated provision under federal regulations) Marriage and family counselor (Early & periodic screening, diagnosis, and treatment & waiver only) Licensed clinical social worker (Early & periodic screening, diagnosis, and treatment & waiver only) Case management (Early & periodic screening, diagnosis, and treatment & waiver only) Private duty nursing agency (Early & periodic screening, diagnosis, and treatment & waiver only) Individual nurse provider (Early & periodic screening, diagnosis, and treatment waiver only) Nonmedical (Waiver only) Medicare-covered ambulance. $0 copay for non-emergency transportation; up to 48 oneway trips to plan approved locations every year. Medicare-covered Medicare-covered (as a part of outpatient mental health care when provided in connection with covered treatment for a mental disorder or chemical dependency) Medicare-covered (as a part of outpatient mental health care) Medicare-covered (this is part of a treatment plan; not a separate benefit) Limited to non-religious aspects of care from a Medicarecertified religious non-medical health care institution. 20

21 *Optional Benefit Exclusion: The benefits noted above with * are only available to this beneficiary population: 1) beneficiaries under 21 years of age for rendered pursuant to EPSDT program; 2) beneficiaries residing in a skilled nursing facility (Nursing Facilities Level A and Level B, including subacute care facilities; 3) beneficiaries who are pregnant (pregnancy-related benefits and ; other benefits and to treat conditions that, if left untreated, might cause difficulties for the pregnancy); 4) California Children s Services beneficiaries; and 5) beneficiaries enrolled in the Program of All-Inclusive Care for the Elderly. **Community-Based Adult Services (CBAS) has replaced Adult Day Health Care. Adult Day Health Care were eliminated on March 31, CBAS became effective April 1,

22 For more information please contact Health Net Seniority Plus Amber II (HMO SNP) Post Office Box Van Nuys, CA Current members should call (TTY users should call 711) Prospective members should call (TTY users should call 711) CA (6/14) Health Net of California, Inc. has a contract with Medicare and the State of California to offer HMO SNP coordinated care plans. Enrollment in a Health Net Medicare Advantage plan depends on contract renewal. Health Net of California, Inc. is a subsidiary of Health Net, Inc. Health Net and Health Net Seniority Plus are registered service marks of Health Net, Inc. All rights reserved. 22